Elk Grove Insurance Rates:

Elk Grove, CA homeowners insurance is approximately $519 to $703, about $43-$58/month. Our detailed analysis indicates shoppers can save upto $244 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Farmers
They will not cover flood insurance or earthquake insurance in some areas. also being in tornado alley you have to have a special writer to get coverage. this type of coverage can cost more than you are willing to pay.
State Farm
I do not like how the receptionists are not very nice. they need to work on customer service in there.
Nationwide
Nationwide gives the best customer service to their customers. you can always find help around the clock, over the web and off.

Elk Grove, CA Homeowners Insurance By Home Value

Elk Grove, CA Home Value Total Homes % of Total Average Elk Grove, CA Homeowners Insurance
Less than $50,000 618 2.0% $54
$100,000 to $124,999 544 1.0% $238
$125,000 to $149,999 737 2.0% $299
$150,000 to $174,999 1,845 6.0% $360
$175,000 to $199,999 2,413 8.0% $415
$200,000 to $249,999 6,923 24.0% $494
$250,000 to $299,999 7,676 27.0% $611
$300,000 to $399,999 7,309 25.0% $775

Top Home Insurance Agents Near Elk Grove, CA

Home Insurance Company Near Elk Grove, CA Homeowners Insurance Agency Near Elk Grove, CA Address
Liberty Mutual Independent Gateway Professional Ins Svc 1990 ALAMO DR SUITE 1, VACAVILLE, CA, 95687
Allstate Gregory Edwards 2001 Jefferson St Ste B, Napa, CA, 94559
Allstate Jeff Macdonald 2197 Main St, Oakley, CA, 94561
Nationwide Maffei Ins & Fin Services 2540 Pacific Ave STE 1, Stockton, CA, 95204-4400
Allstate Troy Greenway 4240 Rocklin Rd Ste 4, Rocklin, CA, 95677

Cost Of Homeowners Insurance By Street Near Elk Grove, CA

Streets in Elk Grove Area Homeowners Insurance Cost
Brinzino Ct, Serta Ct, Rawley Way, Valenda Ct, Siefker Ct, Gopherglen Ct, Avocet Ct, Bari Ct, Gold Poppy Way, Marsh Hawk Ct$620
Jordan Ln, Cypress Creek Way, Chimes Harbor Dr, Engleside Ct, Richert Ln, Donegal Bay Dr, Grimsby Ct, Delta Sand Ct, Bangor Ct, Sunny Glade Ct$598
Brairglen Ct, Dutch Iris Ct, Durango Way, Dino Dr, Geranium Way, Malheur Way, Tuzza Ct, Sky Dome Ct, Spring Flower Dr, Castleshore Ct$599
Mountain Vista Cir, Catfish Ct, Kestrel Ct, Apple Mill Dr, Morum Ct, Laguna Creek Dr, Newby Way, Saintsbury Ct, River Thread Ct, Mariolyn Ct$607
Clemenza Way, Gladiola Way, Cariann Ct, Di Lusso Dr, Foremast Ct, Louis St, Shady Vista Ct, Owlet Ct, New Age Ct, Sun Sprite Ct$605
Opp Ct, Rossport Way, Trenholm Dr, Big Timber Dr, White Pine Way, Core Rd, Grey Star Ct, Jordan Ranch Rd, Emily St, Rocky Creek Ct$606
Meadowfoam Ct, Village Brook Way, Cantabria Ct, Kenton Way, Millner Way, Machado Ranch Dr, Corton Way, Magnolia Hill Way, Jef Jen Way, Laguna Shore Way$612
Newry Ct, Casandra Ct, Shoofly Ct, Sebring Ct, Bella Vista Pl, Koto Dr, Kind Ct, June Bug Ct, Baisley Ct, Crosstrees Way$607
Channel Islands St, Valley Oak Ln, Collie Way, Pirate Point Ct, Whitelock Pkwy, Nectar Cir, Laguna Star Dr, Quail Knoll Ct, Argus Ct, Pearl Crest Ct$603
Hatherton Way, Patti Way, Harbourglen Way, Seattle Slew Ln, Yarnell Way, la Haya Dr, Mizzenmast Ct, Wynndel Way, Healon Way, Castlebridge Ct$616

Elk Grove, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Elk Grove$91 to $93
Sacramento County$91
Florin$88
Freeport$92

Elk Grove, CA Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Sacramento County, California $91 $121 $182
Florin CDP, California $89 $118 $177
Vineyard CDP, California $92 $122 $183

Elk Grove, CA Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Elk Grove, CA2.3%10.3%
Sacramento County2.59%11.58%
Florin3.26%13.16%
Vineyard2.24%10.08%

Elk Grove Renters Insurance as a Percentage of Rent

Elk Grove Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$500 to $749 517 4.0% $1919
$750 to $999 1,658 13.0% $2669
$1,000 to $1,499 4,041 34.0% $3794
$1,500 or more 5,390 45.0% $5444

Average Cost Of Home Insurance By Company In Areas Nearby Elk Grove For Different Scenarios

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
150000500NewTokio Marine America203
250000500NewPacific Specialty567
250000500NewSafeco562
300000500NewAmerican Modern937
4000001000NewCentury National936
4000001000NewLiberty Ins Corp626
4000001000NewQBE (Balboa)747
5000001000NewCalifornia Capital816
1500005001-3 YearsNationwide462
25000010001-3 YearsNationwide603
2500005001-3 YearsGeneral Ins363
2500005001-3 YearsMercury Ins Group409
3000005001-3 YearsTravelers534
75000025001-3 YearsMercury Ins Group750
1500002504-6 YearsQBE (Balboa)578
1500005004-6 YearsChubb/Federal754
1500005004-6 YearsKemper559
3000005004-6 YearsForemost Insurance1053
50000010004-6 YearsTokio Marine America636
75000025004-6 YearsMetropolitan Direct1344
1500005007-15 YearsGrange406
2000005007-15 YearsMAPFRE Group742
25000010007-15 YearsWawanesa781

Elk Grove, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,300$2,300
Yearly Elk Grove Homeowner Insurance Premium Example $700$500
Out of Pocket Expense During Claim$1,300$2,300
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $6,900$6,300
Net Savings to Elk Grove Home Owner from High Deductible Plan $600

Elk Grove, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Elk Grove, CA Home Replacement Value MORE than Home Value Elk Grove, CA Home Replacement Value LESS than Home Value
Replacement Value $426,000 $267,000
Insurance Premium based on Replacement Value $1,100 $700
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $71,000 Risk Exposure from Under Insuring Coverage is $88,000
Premium Impact Insurance cheaper by $225/year Insurance costlier by $175/year

Example Elk Grove Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualChubb Group of InsuranceNationwide Insurance
Monthly Premium 554670
Year Built 200419942011
Home Details 3 Beds, 1 Baths4 Beds, 3 Baths5 Beds, 2 Baths
Coverage Amount $200000-$250000$300000-$350000$300000-$350000
Deductible $1000-$2500 Deductible$5000 to $10,000 Deductible$1000-$2500 Deductible

Sample Home Insurance Rates for Elk Grove, CA from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2012 260,000 Shingles Roof 1,970 3 > $10,000 Deductible 410 12 Brick siding No
1991 265,000 Composition Roof 1,830 4 $2500-$5000 Deductible 420 9 Vinyl siding No
2010 245,000 Asphalt Shingles Roof 1,690 4 $500 Deductible 180 3 Stone Siding No
2014 345,000 Slate Shingles Roof 2,020 3 $5000 to $10,000 Deductible 40 1 Stone Siding yes
2001 155,000 Membrane Roof 1,200 3 $500- $1000 Deductible 370 10 Brick siding No
1999 410,000 Shingles Roof 3,240 4 $1000-$2500 Deductible 530 5 Stucco siding No
1990 255,000 Wood Shake Roof 1,470 3 $500- $1000 Deductible 390 8 Vinyl siding No
2009 180,000 Composition Roof 1,410 3 $5000 to $10,000 Deductible 280 12 Stone Siding yes
2010 415,000 Tile Roof 2,900 4 $1000-$2500 Deductible 920 12 Wood siding No
1982 230,000 Membrane Roof 1,365 3 $500- $1000 Deductible 250 3 Stone Siding No